立足"十五五"新起点，"加快发展现代产业体系，巩固壮大实 体经济根基"被置于12项战略任务首位。中国正推动产业体系 向智能化、绿色化、融合化方向纵深发展。 在此期间，我国 现代产业体系在规模体量、科技创新、智能化与绿色化转型、 企业竞争力等维度实现了历史性跨越，产业体系的完整性、先 进性和安全性显著增强。在这一进程中，金融活水始终是支撑 产业发展的关键力量。 这场深刻的产业"升维"，呼唤一场同 样深刻的金融变革。 作者：柏炎 封图：图片资料室 "研发投入占我们营收的8%到10%，但银行的传统信贷模型只认厂房设备抵押，资金流成了发展 的拦路虎。"磐谷动力有关负责人的感慨，道出了无数科创企业的共同焦虑。 打破这道壁垒，需要金融评价体系的深层变革。农业银行重庆永川支行在走访磐谷动力时，并未拘 泥于传统的评估模式，而是启动了创新的"技术流"评价体系，为企业进行精准的科技属性画像。 综合考量企业专利的"含金量"、研发投入强度、科研团队构成，基于对企业技术实力和成长性的 全面判断，及时投放了首笔贷款。 北纬29°，山城重庆。在磐谷动力技术有限公司（下称"磐谷动力"）展厅墙上，百余张专利证书无 声诉说着这家国家级专精特新" ...

技术攻坚需要持续投入、轻资产模式与传统信贷模式存在矛盾、从实验室到市场的"死亡谷"需要长 期资本陪伴 让企业市场高效对接 政府部门发布政策与基础金融产品"工具箱"为不同发展阶段的企业提供"导航"，同时,匹配创新金 融工具 构建常态化对接生态 政府部门负责搭平台、建机制，金融机构探索"投贷联动"等新模式，企业重视财务管理规范性，主 动融入产业链生态 "就差3000万元流动资金，能早日拿到钱，就能尽快投入研发生产。"12月15日下午，四川省"建圈 强链"融资对接会暨专精特新中小企业"一月一链"投融资路演活动开场前，成都卿心懂卿科技有限责任 公司副总经理朱磊在手机上反复刷新着活动线上平台，他焦灼的语气道出了许多参会企业的心声。 这场聚焦通信及量子科技、先进材料、银发经济、软件和信息服务、新型显示等五条重点产业链的 对接会，吸引了近50家金融机构和创投基金代表到场。会场中每个座位上的二维码都链接着《惠企政策 汇编》《特色金融产品手册》《五条重点产业链企业融资需求清单》三份电子资料。 前沿产业的融资难题 前沿企业融资之痛 技术很重，资产很轻 "我们第一阶段已投入5000万元，第二阶段计划再投1亿元。"四川长虹电子科技有 ...

Core Insights - The article discusses the financing challenges faced by advanced industries in Sichuan, highlighting the need for continuous investment and the mismatch between light asset models and traditional credit systems [1] - It emphasizes the importance of government policies and innovative financial tools to facilitate effective market connections for enterprises at different development stages [1] Financing Challenges - Many companies, such as Chengdu Qingxin Technology, express urgent financing needs, with specific requests like 30 million yuan for working capital to expedite research and production [1] - The financing demands from 51 companies total 9.9 billion yuan, with 8.25 billion yuan for loans and 1.65 billion yuan for equity financing, covering key areas like R&D and production line construction [1] Government and Financial Institutions' Role - The government has introduced a "toolbox" of policies and financial products, including a compilation of 348 supportive measures and 129 specialized products from 37 financial institutions [1] - Innovative financial tools, such as the "technology flow" evaluation system by Industrial Bank, assess companies based on R&D investment and patent value rather than solely on financial data [1] Ecosystem Development - The article highlights the need for a sustainable and precise connection ecosystem among government, financial institutions, and enterprises to facilitate ongoing collaboration [1] - Since the implementation of the "Building Circles and Strengthening Chains" mechanism, Sichuan has nurtured 260 chain-leading enterprises and 6,328 chain-related enterprises, enhancing the industrial chain ecosystem [2]

中国建设银行济宁西城支行积极响应金融监管部门部署和银行业协会号召，立足地方医药产业集群特 点，创新金融服务模式，针对医药企业研发投入大、资金回收周期长、轻资产运营等痛点，推出差异化 金融解决方案，为地方医药产业高质量发展注入强劲金融动力。 创新产品：打造医药金融专属方案 济宁市已将现代医药产业列为15条标志性产业链之一、7个重点培育的产业集群之一，并提出力争到 2027年，实现现代医药产业规模突破500亿元。 医药产业具有高投入、高风险、长周期的特点，企业在研发、生产、销售各环节均面临资金压力。特别 是处于成长期的中小医药企业，常因缺乏足额抵押物而面临融资瓶颈，资金短缺已成为制约医药企业创 新发展的重要因素之一。 整合资源：构建医药产业金融生态圈 建设银行济宁西城支行不仅向医药企业提供资金支持，更积极整合各方资源，构建起医药产业金融生态 圈。 该行定期举办医药专场投融资对接活动，邀请投资机构、行业专家、医药企业共同参与，促进产业与资 本深度融合；通过此类活动，该行为医药企业搭建了与资本市场对接的桥梁，助力企业实现"债权融资 +股权融资"的双轮驱动。 同时，该行加强与政府部门、行业协会的合作，共同推出风险补偿机 ...

"没有抵押物就拿到了500万元纯信用贷款，正好赶上智能检测设备的采购窗口期！"日照某汽车电子零 部件企业负责人的感慨，道出了众多科创型零部件企业的心声。为适配行业"研发投入高、资金需求 急、用款频率高"的特点，兴业银行济南分行持续优化服务效能：一方面简化审批流程，组建汽车产业 专项服务团队，深入日照高新区汽车零部件产业园开展"一对一"走访，建立"一企一档"服务台账，将贷 款审批周期压缩至1-2个工作日；另一方面优化产品定价，叠加普惠金融与科技创新双重政策红利，大 幅降低融资利率，切实减轻企业财务负担，让企业能将更多资金投入核心技术研发与生产线智能化改 造。 在汽车产业向电动化、智能化、网联化加速转型的浪潮中，日照汽车零部件产业正迎来技术迭代与产能 升级的关键期。作为支撑区域实体经济的重要集群，日照市汽车配件行业呈现集群化发展、龙头引领、 高端化与国际化兼具的鲜明特点，形成了以高新区、五莲县为核心集聚区，覆盖商用车、新能源汽车等 多领域的完整产业生态。兴业银行（601166）济南分行精准锚定产业痛点，以"科创贷"为核心抓手，打 破传统信贷对抵押物的依赖，将企业的技术实力、专利成果、科创资质转化为融资优势，为汽车 ...

Core Insights - The article emphasizes the importance of technological innovation as a core engine for high-quality economic development in Shenzhen, highlighting the efforts of China Construction Bank Shenzhen Branch in addressing financing challenges for tech enterprises [4][14]. Group 1: Financial Support and Growth - By September 2025, the balance of technology loans exceeded 250 billion yuan, with an increase of over 50 billion yuan since the beginning of the year, and loans for strategic emerging industries reached 150 billion yuan, growing by 45% [4]. - Shenzhen Construction Bank has provided financing services to over 20,000 tech enterprises, showcasing a comprehensive financial service system that includes specialized organizational structures and digital risk control [4][5]. Group 2: Specialized Financial Framework - The bank established a specialized organizational structure for technology finance, creating a multi-level system that enhances the professional and refined nature of tech financial services [5]. - Innovative credit products such as "Technology Easy Loan" and "Innovation Platform Loan" have been developed to meet the diverse needs of different types of tech enterprises [5]. Group 3: Digital Service Platforms - A digital service platform has been created to cater to the varying needs of tech enterprises based on their size and stage of development, significantly improving service quality and customer experience [7]. - Over 11,000 tech enterprises have utilized this platform, with nearly 6,000 receiving credit, resulting in a total loan amount exceeding 10 billion yuan [7]. Group 4: Collaborative Financial Ecosystem - The bank has built a collaborative financial service ecosystem through partnerships with government agencies and venture capital institutions, integrating various resources to support tech enterprises [11]. - Specific loan products have been developed in collaboration with local government bodies to enhance support for high-tech enterprises [11]. Group 5: Risk Management Innovations - Shenzhen Construction Bank has implemented a data-driven risk control mechanism, utilizing machine learning algorithms to create a unique evaluation model for small tech enterprises [13]. - The bank's intelligent post-loan management platform monitors over 100 indicators to enhance risk identification and prevention capabilities [13]. Group 6: Case Studies - Companies like Shenzhen Yuanwei Innovation Industrial Co., Ltd. have benefited from the bank's services, receiving loans that support their operational needs and growth [8][12]. - The bank's tailored services for different growth stages of tech enterprises demonstrate its commitment to providing comprehensive financial support [12].

Core Insights - The key to China's modernization lies in technological modernization, which is supported by financial resources, as evidenced by the recent performance reports from major banks [1] - The six major state-owned banks have shown significant growth in loans to technology enterprises and the number of clients, indicating a positive trend in technology finance [2][3] Group 1: Performance of Major Banks - As of the end of September, Industrial and Commercial Bank of China (ICBC) had a strategic emerging industry loan balance exceeding 4.2 trillion yuan, with technology enterprise loans surpassing 2.7 trillion yuan [2] - Agricultural Bank of China reported a technology loan balance exceeding 4.7 trillion yuan, while China Bank's technology loan balance was approximately 4.7 trillion yuan, supporting over 160,000 clients [2] - Postal Savings Bank's technology loan balance exceeded 940 billion yuan, and the total number of technology enterprises supported by various banks has seen notable increases [2][3] Group 2: Financial Product Innovation - The banks are increasingly adopting a comprehensive approach to technology finance, focusing on "equity, loans, bonds, and insurance" to support technology enterprises [2][3] - ICBC has initiated a pilot program for equity investment in 18 regions, establishing 38 funds with a total subscription amount exceeding 45 billion yuan [2] - China Construction Bank has registered 21 pilot funds in 15 cities and has seen a more than fourfold increase in the investment volume of technology innovation bonds [3] Group 3: Addressing Financing Challenges - The introduction of a "technology flow" evaluation system is helping to address the financing difficulties faced by technology SMEs, moving away from traditional asset-based lending [4][6] - Postal Savings Bank has successfully implemented this new evaluation model, transforming the "technology credit" of enterprises into "financing credit," which has led to significant improvements in operational efficiency for supported companies [6][7] - The focus on innovative financial products aims to alleviate the challenges of financing for light-asset technology enterprises, with banks exploring various models to meet the unique needs of these companies [8]

Core Viewpoint - The article discusses the challenges faced by technology-driven enterprises in securing financing and how Hunan Construction Bank is addressing these issues through innovative financial services and policies aimed at supporting high-quality economic development in Hunan province [1]. Group 1: Policy Initiatives - Hunan's implementation opinion outlines 20 policy measures focusing on five key areas: technology finance, green finance, inclusive finance, pension finance, and digital finance, with technology finance being the primary focus [1]. - The bank aims to increase loan proportions in sectors such as technological innovation, green low-carbon initiatives, and rural revitalization [1]. Group 2: Customer Service Transformation - Hunan Construction Bank has shifted its approach from traditional collateral-based lending to evaluating companies based on their "technological moat," allowing for a credit approval of 60 million yuan for Beiyun Technology [3]. - The bank provides a full-cycle service plan, including low-interest loans during the R&D phase and supply chain financing during the production phase [3]. Group 3: Business Process Reengineering - The bank has developed a digital and agile response business process system to cater to the short, frequent, and urgent financing needs of technology enterprises, achieving a 50% increase in service efficiency [5]. - Innovative digital assessment tools have been introduced to evaluate companies based on their technological capabilities rather than traditional asset-based metrics [5]. Group 4: Product Channel Innovation - Hunan Construction Bank offers over 70 specialized financial products, allowing enterprises to customize their financing solutions according to their development stages and needs [8]. - The bank has established a comprehensive product channel system that integrates various financial services, moving from a single credit focus to a more holistic approach [9]. Group 5: Organizational Structure Improvement - The bank has created a three-tiered professional network to enhance service delivery, breaking down internal communication barriers and ensuring rapid response to client needs [10]. - A case study illustrates the bank's ability to provide timely financial support through innovative service mechanisms, demonstrating the effectiveness of its organizational structure [10]. Group 6: Evaluation and Assessment Reform - The bank has reformed its assessment and evaluation system to encourage lending to high-risk, high-growth technology enterprises, shifting from a risk-averse culture to one that embraces opportunities [12]. - The bank's efforts have resulted in significant growth in its technology loan portfolio, serving over 19,000 enterprises with a loan balance of 245.2 billion yuan [12].

Core Viewpoint - Postal Savings Bank of China (PSBC) Anhui Branch has launched the "U Benefit Plan" to support the financial needs of high-growth technology enterprises, demonstrating effective financial support during critical development periods [1][2]. Group 1: Financial Innovation - The "U Benefit Plan" combines "loan + external direct investment" to address the financing challenges faced by technology companies, particularly those with light assets and lack of collateral [2]. - The plan includes a "stock option arrangement" and "forward cooperation rights" to create customized win-win solutions for high-growth technology firms [1]. Group 2: Case Study - Anhui Zhuopu Intelligent Equipment Co., Ltd. received a tailored financial solution of 60 million yuan in credit and 50 million yuan in stock options within two weeks, alleviating immediate funding pressures [1]. Group 3: Evaluation System - PSBC Anhui Branch has developed a "technology flow" evaluation system that uses hard indicators such as patent quantity, R&D investment intensity, and technical team strength as credit assessment criteria [2]. - The bank's financial products, such as "Science and Technology E-Loan" and "Intellectual Property Pledge Loan," facilitate the transformation of intellectual property into assets [2]. Group 4: Long-term Service Mechanism - The bank has established a "123+N" technology finance professional system, which includes dedicated credit products, specialized review processes, and incentive mechanisms tailored to key industries [2]. - As of June 2023, the bank's technology loan balance exceeded 50 billion yuan, with over 80% directed towards private enterprises [2].

Core Insights - Weihai Bank's Binzhou branch successfully issued a 10 million yuan loan secured by a company's core patent rights, demonstrating the effective transformation of "technological soft power" into tangible financial resources [1][2] - The financing model represents a new paradigm in the region, integrating intellectual property into asset-based financing, thereby enhancing the financial support for technology-driven enterprises [1] Group 1 - The textile technology company has been focusing on textile dyeing and processing, holding multiple patents that fill industry gaps, but faced financing challenges due to its asset-light model [1] - Weihai Bank's Binzhou branch developed a "technology flow" evaluation system that incorporates R&D investment, patent reserves, and technological barriers into credit assessments, facilitating tailored financing solutions for innovative companies [1] - The bank collaborated with professional evaluation agencies and intellectual property departments to efficiently complete patent value assessments and registration, significantly reducing the loan processing time [1] Group 2 - The successful implementation of the patent pledge loan highlights Weihai Bank's expertise in complex financial instruments and its strategic role in supporting new productive forces [2] - The bank aims to further integrate knowledge-based assets like patents and trademarks into its financial offerings, helping more technology leaders overcome financing obstacles and contributing to high-quality regional economic development [2]